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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,763 | $75,541-14.3% | $152,093-57.4% | $82,637-21.6% |
| Participation rate | 57.9% | 66.5%-8.6pp | 77.8%-19.9pp | 68.1%-10.2pp |
| Annual return | 15.54% | 32.56%-17.0pp | 66.36%-50.8pp | 53.51%-38.0pp |
| Employer contribution / active EE | $1,991 | $2,622-24.1% | $4,175-52.3% | $2,552-22.0% |
| Participant deferral / active EE | $1,654 | $3,206-48.4% | $5,451-69.7% | $4,126-59.9% |
| Admin fee / account holder | $6,871 | $6,405+7.3% | $14,497-52.6% | $7,339-6.4% |